re: My mother is winning at crazy

Aside from the insurance, he said the truck is completely paid for and he's just paying his parents a monthly "note". I'm assuming they paid cash for it, so they saved on finance fees/interest. Plus OP's credit (or lack of credit history) probably wouldn't have helped him get a decent interest rate, so I can see how his parents paying for it and him paying them back would've saved $. But that still doesn't explain having to put it in their names, except for them to have more control over him.

ETA: Insurance could be less if they don't have full coverage on the truck. Since it wasn't financed, full coverage wouldn't be required, right?